BlastPoint's Credit Union Scorecard
NORTH MEMORIAL
Charter #16248 · MN
NORTH MEMORIAL demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,527
+0.9% YoY-0.0% QoQ
|
+1.9K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$50.9M
-0.8% YoY+0.7% QoQ
|
+$20.7M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$29.8M
-8.1% YoY-0.4% QoQ
|
+$14.5M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$44.8M
-1.7% YoY+0.6% QoQ
|
+$19.0M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
1.0%
-39.4% YoY+32.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
4.7%
-2.0% YoY-3.9% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
80.9%
+18.6% YoY-0.5% QoQ
|
-9.7% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.7%
-16.4% YoY-19.2% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
66.6%
-6.5% YoY-1.0% QoQ
|
+8.1% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$16,481
-5.2% YoY+0.3% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
63% |
| CD Concentration |
20.6%
-0.5% YoY-0.5% QoQ
|
-3.7% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)